农民专业合作社的融资困境与破解思路

Financing Difficulties and Solving Thoughts on Farmer Professional Cooperative

我国农民专业合作社的资金需求日益增长,但自有资金严重不足。由于内部管理不完善、政府投入有限、金融机构风险管理模式脱离农村现状、农业担保公司服务缺失等原因,致使合作社外部融资难度较大。对此,笔者提出健全合作社内部财务管理制度,鼓励开展内部信用合作,探索新型信贷产品,加快培育农村资产交易平台,健全信贷担保体系等对策建议。

Fund demands of farmer professional cooperatives gradually increase, but a serious shortage of own funds. On ac- count of reasons of incomplete internal management, limited government investment, risk management model of financing in- stitution separating rural current situation and deletion of agricultural guarantee companies＇ service, external financing difficul- ty became bigger. So, the report improved countermeasures of perfecting cooperative inner financial management system, en- couraging developing inner cooperative credit, exploring new credit instrument, accelerating breeding trading platform for rural assets and perfecting credit guarantee system.